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Compare the Features and Benefits of The Hilton Honors American Express Business Card and
Delta SkyMiles® Platinum American Express Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Trip Protections
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
No Fees for Authorized Users
Amex Offers
Grants Hotel Status
Airport Lounge Access
Does Not Report Credit Line to Personal Credit Profile
Annual Statement Credits
Free Checked Bags
Priority Boarding
Global Entry / TSA PreCheck Reimbursement
Grants Car Rental Status
Cell Phone Protection
Travel and Emergency Assistance Services
Free Access to Credit Score
Metal Card
Annual Fee
$95 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
12x Hotels

Applies only at Hilton Honors hotels booked directly with Hilton; else earn 3X points per dollar.

6x Airfare
6x Car Rentals
6x Gas Stations
6x Cellular Phone Service
6x Dining Out / Food Delivery
6x Shipping
3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

With a relatively low $95 annual fee, The Hilton Honors American Express Business Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts and is the only business credit card that earns Hilton Honors points.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays and 3% back on select business and travel categories in the US: gas stations, wireless telephone service, shipping, restaurants, flights booked directly, and car rentals booked direct. Remember you’ll earn 3X Hilton Honors points on other eligible purchases, so that would be worth about a 1.5% return on spend.

Hilton Business Credit Card

Hilton Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points and Free Night Reward certificates. Many sell for over $1,000 a night and include the Waldorf Astoria Maldives Ithaafushi and the Waldorf Astoria Pedregal in Los Cabos. You could easily make a case that simply being able to earn the lucrative Free Night Reward certificates is reason enough to hold this card.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.

While we don’t recommend the Hilton Honors Business card as your only business credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the The Hilton Honors American Express Business Card

Read more
Unique Card Benefits
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Grants Hotel Status
yes
Airport Lounge Access
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Annual Statement Credits
no
Free Checked Bags
no
Priority Boarding
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Car Rental Status
no
Cell Phone Protection
no
Travel and Emergency Assistance Services
no
Free Access to Credit Score
no
Metal Card
no
Annual Fee
$350 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3x Hotels
2x Dining Out / Food Delivery

At restaurants, including takeout and delivery in the U.S.

2x Groceries

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Delta SkyMiles Platinum Amex card sits squarely between the ultra-premium (Reserve) and base-level annual-fee (Gold) Delta cards. While the $350 annual fee is still a sizable sum to consider, there’s a mile-long list of benefits for Delta loyalists.

With the Delta Platinum card, it’s not only easy to rack up thousands of SkyMiles from card spend alone, but you could spend your way to the finish line of Medallion status.

You’ll earn 3x bonus miles on Delta purchases and hotel bookings; 2x miles at restaurants worldwide and U.S. supermarkets; and 1x miles on all other purchases.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns 1 MQD (Medallion Qualifying Dollars) for every $20 spent on eligible purchases with your Card plus $2,500 MQDs each year – just for holding the card!

delta credit card

With your growing balance of Delta SkyMiles, you can book Delta award flights — and enjoy a 15% discount for being a cardholder. Beyond earning and redeeming miles, there are great ways to save money through the a Global Entry or TSA PreCheck application fee credit every 4.5 years, a first free checked bag on Delta flights, cell phone protection, trip coverage, and purchase protections.

Another key benefit that may move the needle for you is the annual roundtrip companion certificate, good for domestic, Caribbean, or Central American roundtrip flights in the Main Cabin. You’ll receive this reward after paying your card’s annual fee every account anniversary (after account opening). This allows you to book a second flight for a friend or family member for the cost of government imposed taxes and fees. Pick your route wisely, as you can easily save hundreds of dollars (and pay for the $350 annual fee) with the certificate alone. (Terms apply.)

And you’ll also receive up to $390 in statement credits each year with up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card (Enrollment Required) and up to $150 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

In summary, if you like flying Delta but don’t think you can justify the cost of the higher annual fee for the Reserve level card, the Delta Platinum card may be the perfect fit for your travel needs.

Rates and fees for the Delta SkyMiles® Platinum American Express Card

Read more
Unique Card Benefits
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Grants Hotel Status
no
Airport Lounge Access
no
Does Not Report Credit Line to Personal Credit Profile
no
Annual Statement Credits
yes
Free Checked Bags
yes
Priority Boarding
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Car Rental Status
yes
Cell Phone Protection
yes
Travel and Emergency Assistance Services
yes
Free Access to Credit Score
yes
Metal Card
yes

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